Hi
Just a few comments which might help.
Firstly, It really depends on what type of scan you are having as to whether a contrast is used. There are a huge number of types of sequence that are used for the MRI scan and obviously many regions of the body that can be studied.
In general, MRI is the safest form of imaging available as the image is created using a strong magnetic field and radiowaves and therefore there are no consequences of a repeated exposure (unlike X-rays). MRI scans have been performed in infants and also foetuses and are therefore a very safe method.
With regards to health risks of the contrast. Firstly, unless you have been told otherwise, this may not be necessary. Secondly, with all investigations the doctor prescribing has to balance the clinical benefit of having the investigation (i.e. diagnosing a treatable ailment) versus the risk of the procedure.
Obviously, do ask you consultant about any worries or concerns that you have. They will be happy to talk through the procedure with you.
Just to say, i'm not a doctor - but have a lot of experience with MRI scans!
Good luck :-)